Side-by-side · Q2 2026 data
GBC International Bank vs First Federal Savings and Loan Association of San Rafael
Bank
First Federal Savings and Loan Association of San Rafael
San Rafael, California · $100 million – $1 billion
Metric by metric
| Measure | GBC International Bank | First Federal Savings and Loan Association of San Rafael |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 63 (stronger) | 24 |
| Funding & liquidity | 52 (stronger) | 40 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 84th | 64th |
| Total assets | $658.5M | $222.1M |
| Deposits / shares | $504.6M | $178.3M |
| Capital ratio | 15.94% | 18.75% (stronger) |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.08% (stronger) | 0.09% |
| Loans ÷ deposits | 89.5% (stronger) | 108.6% |
| Uninsured deposits | 32.1% | 25.4% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GBC International Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), GBC International Bank leads on 3 and First Federal Savings and Loan Association of San Rafael on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.